Your Summary Explained

Every 28 days you get a statement from us listing what you've ordered and where your account is up to. Here’s a quick run through of everything you’ll ever need to know.

  • 1.Your account number

    Fairly obvious, but we’ll need this every time you order, make a query, return or pay.

  • 2.Minimum payment

    You need to make at least this payment by the payment due date, but feel free to pay more if you like.

  • 3.Take 3

    With Take 3 you can spread the cost of new items over 3 months without paying any interest. This is available on everything every time you shop.

  • 4.Credit limit

    This is the maximum amount you can spend up to – you can order whatever you like so long as your balance doesn’t go over this amount and your payments are up to date.

  • 5.Available to spend

    This is how much you currently have available to spend before you reach your credit limit, based on point 4 above.

  • 6.Current total

    This is the amount you’d spent at the time this statement was printed. If you’ve ordered anything since then, don’t worry – it’ll show up on your next statement.

  • 7.Payments received

    As it says on your statement, this area shows you what payments you’ve made and the dates we received them.

  • 8.Returns

    Returns or items credited to your account at the time this statement was printed will show within your total transactions. Please note returned items don’t count towards your minimum payment.

  • 9.Total transactions

    This lists all the items you’ve ordered, returned or queried over the past month.

  • 10.Your new total

    This includes all the things you've bought since your last statement plus all Buy Now Pay Later items. If you’ve bought any items on Buy Now Pay Later since your last statement, they’ll appear on your next statement. Please log in to ‘My Account’ if you want to make a payment towards them, and make sure you specify that the payment is for your Buy Now Pay Later total by clicking the ‘pay by Buy Now Pay Later’ link.

  • 11.Estimated Interest

    This is an estimate of the interest to be charged on your next statement including any Buy Now Pay Later Interest. This assumes that you will pay your minimum payment on the due date and there being no further changes on the account. This amount does not include any Buy Now Pay Later interest accrued in the payment free period but it does include any interest due to be charged on the next statement after payment free period has expired.

  • 12.Your payment request

    This is the total of the items that require a payment on your account now. We use this balance to calculate the Minimum Payment and any interest due on your account at the relevant APR. This balance does not include any Buy Now Pay Later items that are still in the payment free period, or any interest on these items.

  • 13.Your payment must reach us by

    It will show here when your payment needs to reach us by, or if you have a direct debit when it will be taken out of your account. Please remember postal payments can take up to 7 days and other methods 4 days.

  • 14.Your payment request

    You can use this slip to pay by cheque through the post or via the post office. If you want to set up a direct debit, or would like to see what other payment options you can choose, take a look at the back of your statement for details. If you want to make a payment towards your Buy Now Pay Later items, please log into your ‘My Account’ and specify that the payment is for your Buy Now Pay Later total by clicking the ‘pay by Buy Now Pay Later link’.

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